If you're not paying her a fee, then how is she getting compensated? If it is commission on insurance or fund purchases, then she may have a conflict of interest.

A fiduciary is someone who must act in your best interest. Not all advisors are.

I have an advisor. I pay him a quarterly fee. He makes no money from my investments and in fact, he just tells me what to do and has no trading access to my accounts. I just provide him account statements each month.